Legal Advice

#26
#26
Dang. Wrong again! ACS Financial. Geesh. Excuse my silly-putty brain. 2 hrs sleep last night.
 
#30
#30
FYI. What ever you do, do not, I mean do not, talk to the collection agency. At all. Period.

I think the standard 1-2 punch method will resolve this. The only one that may be a prick about it, is experian. But they can be handled too with a little bit of persuasion.
 
#31
#31
With regard to calling the city...

I got a traffic ticket in Kingston years ago and ended up having to drive there to go to court because it was multiple offenses. Got rid of them all except the speeding ticket which was $150. Completely forgot about it and 5 years later I get a call from a collection agency. I called the court house and told them I'd pay it and they proceeded to tell me that paying them would do me no good as the collection agency now own the debt. I eventually ended up paying them because I owed it but it NEVER went to any of the reporting agencies.
 

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